Planning ahead for your My GM Rewards points
Lifetime transfer options and steps to take now for General Motors points
GM Rewards Member Support Center (death of a member; GM publishes no separate estates desk)
General Motors's terms state that points are forfeited when the account holder dies. Lifetime planning is the only path to extracting value from the account before that happens.
Members can transfer points to other My GM Rewards members while their account is active. This may involve a fee, but it is the most straightforward way to share points with family.
How to protect your My GM Rewards points
5 steps for managing your My GM Rewards points during your lifetime:
- •A new Chevrolet, Buick, GMC, or Cadillac vehicle purchase or lease
- •Up to $1,000 toward a Certified Pre-Owned Chevrolet, Buick, GMC, or Cadillac purchase
- •GM Certified Service, GM Genuine Parts and ACDelco Parts, and eligible accessories
- •Most OnStar and Connected Services plans, SiriusXM, and GM Financial and protection plans
Family sharing
My GM Rewards has no household or family pooling account. A member may transfer points to another individual member through the point transfer request in the GM Rewards account or by calling the GM Rewards Member Support Center at 1-844-764-2665. Under the Terms, the member transferring the points must have been enrolled in the program for more than thirty (30) days, and transfers totaling more than 300,000 points in a calendar year must be initiated by phone. Transfers occur instantly, and transferred points then follow the expiration date of the recipient's account; transfer activity does not itself reset the transferring account's seven-year expiration clock. Because points are forfeited at death and have no cash value, a member-to-member transfer completed while the member is living is the dependable way to move points to a family member.
Should you save your passwords for your family?
Some people store account passwords so a family member can sign in later. The practice has three practical limits:
- Two-factor authentication often blocks it. Most accounts require a second factor — a code sent to a phone, an authenticator app, a passkey, or a physical key. A saved password alone frequently does not grant access, and the recovery codes that would are easy to lose or let go stale.
- It usually conflicts with the platform's terms. Most operators prohibit account sharing and signing in as another person, including after a death. Stored credentials are not the operator's recognized access path, and using them can violate the terms of service.
- Operators provide other paths. Where an operator offers a designation tool — Apple's Legacy Contact, Google's Inactive Account Manager, a beneficiary designation — that mechanism grants access the operator recognizes. A password manager's own emergency-access or legacy feature passes credentials through a controlled process. Digital assets named in a will or trust give a fiduciary authority under each state's Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA).
Frequently asked questions
Because the points are forfeited at death, redeem or transfer them while you are living. Points can be redeemed toward a new Chevrolet, Buick, GMC, or Cadillac purchase or lease, toward a Certified Pre-Owned purchase (up to $1,000), toward GM Certified Service, GM Genuine Parts and ACDelco Parts, accessories, most OnStar and Connected Services plans, SiriusXM, and GM Financial and protection plans, or transferred to another member from an account enrolled more than 30 days. There is no way to leave the points to your estate or to a beneficiary.
Yes. The Terms allow a member to transfer points to another individual member. The transferring account must have been enrolled in the program for more than thirty (30) days, transfers occur instantly, and transfers totaling more than 300,000 points in a calendar year must be initiated by phone at 1-844-764-2665. Transferred points then follow the expiration date of the recipient's account. There is no household or family pooling account.
Yes. Unredeemed points expire seven (7) years from the date of the member's last earn or redemption activity, or upon account closure for any reason. Transfer activity does not count as activity for this purpose, and promotional points may expire earlier. Earning or redeeming periodically keeps the balance from expiring while you are living.
Recording that a My GM Rewards account exists, alongside other accounts, gives a fiduciary the information needed to reach the operator through its official process.
My GM Rewards does not support beneficiary designations. Unlike financial accounts, there is no way to name a beneficiary on this type of account.
Sources
Data sourced from General Motors primary sources (6 pages reviewed). How we research.
GM Rewards Member Support Center (death of a member; GM publishes no separate estates desk)
